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Healthcare and pensionsPillar 3aGlossary
Pillar 3a

Pillar 3b

Pillar 3b is an unrestricted pension plan. It can take the form of savings and other bank accounts, life insurance, securities, residential property and so on. This type of pension is available to anyone living in Switzerland.

Pros:

  • You generally have free access to the capital, depending on the term of the chosen product.
  • This plan is not subject to the strict legal requirements of pillar 3a.
  • You can withdraw capital from fixed-term products at any time. However, depending on the conditions of the contract, you may lose money.
  • The capital can be inherited by any beneficiary, although statutory entitlements must be taken into account.

Cons:

 Payments into pillar 3b products are not tax-deductible.

Tips: 

If your financial situation allows, you should make use of the most flexible investment options of the unrestricted 3b pension plan.

Find life insurance

Have you started to save privately for retirement?

The earlier the better.
Open a pillar 3a account now

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